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					<div class="stl_01" style="left:16.7342em;top:6.0956em;"><span class="stl_07 stl_08 stl_09" style="font-weight:bold;">人身保险伤残评定标准（行业标准） &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:8.502em;"><span class="stl_10 stl_11 stl_12">说明：本标准对功能和残疾进行了分类和分级，将人身保险伤残程度划分为一至十级，最重为第 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:9.912em;"><span class="stl_10 stl_11 stl_13">一级，最轻为第十级。与人身保险伤残程度等级相对应的保险金给付比例分为十档，伤残程度第 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:11.322em;"><span class="stl_10 stl_11 stl_14">一级对应的保险金给付比例为</span><span class="stl_15 stl_11 stl_16">100%</span><span class="stl_10 stl_11 stl_17">，伤残程度第十级对应的保险金给付比例为</span><span class="stl_15 stl_11 stl_18">10%</span><span class="stl_10 stl_11 stl_19">，每级相差 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:12.732em;"><span class="stl_15 stl_11 stl_16">10%</span><span class="stl_10 stl_11 stl_16">。 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:14.9963em;"><span class="stl_20 stl_21 stl_19">1</span></div>
					<div class="stl_01" style="left:7.492em;top:16.1417em;"><span class="stl_22 stl_08 stl_23" style="font-weight:bold;">1.1 &nbsp;</span></div>
					<div class="stl_01" style="left:9.2617em;top:15.0717em;"><span class="stl_24 stl_08 stl_25" style="font-weight:bold;">神经系统的结构和精神功能 &nbsp;</span></div>
					<div class="stl_01" style="left:10.4917em;top:16.1417em;"><span class="stl_24 stl_08 stl_25" style="font-weight:bold;">脑膜的结构损伤 &nbsp;</span></div>
					<div class="stl_01" style="left:8.042em;top:18.2217em;"><span class="stl_24 stl_08 stl_19">外伤性脑脊液鼻漏或耳漏 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:20.2942em;"><span class="stl_22 stl_08 stl_23" style="font-weight:bold;word-spacing:1.5418em;">1.2 </span><span class="stl_24 stl_08 stl_25" style="font-weight:bold;">脑的结构损伤，智力功能障碍 &nbsp;</span></div>
					<div class="stl_01" style="left:38.0758em;top:18.2217em;"><span class="stl_22 stl_08 stl_26">10</span><span class="stl_24 stl_08 stl_26">级 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:22.3742em;"><span class="stl_24 stl_08 stl_17">颅脑损伤导致极度智力缺损（智商小于等于</span><span class="stl_22 stl_08 stl_27">20</span><span class="stl_24 stl_08 stl_19">），日常生活完全不能自理，处于 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:23.3742em;"><span class="stl_24 stl_08 stl_19">完全护理依赖状态 &nbsp;</span></div>
					<div class="stl_01" style="left:39.1983em;top:22.8742em;"><span class="stl_22 stl_08 stl_27">1</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:24.4142em;"><span class="stl_24 stl_08 stl_17">颅脑损伤导致重度智力缺损（智商小于等于</span><span class="stl_22 stl_08 stl_27">34</span><span class="stl_24 stl_08 stl_19">），日常生活需随时有人帮助才能 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:25.4142em;"><span class="stl_24 stl_08 stl_19">完成，处于完全护理依赖状态 &nbsp;</span></div>
					<div class="stl_01" style="left:39.1983em;top:24.9142em;"><span class="stl_22 stl_08 stl_27">2</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:39.1983em;top:26.9542em;"><span class="stl_22 stl_08 stl_27">3</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:39.1983em;top:28.9942em;"><span class="stl_22 stl_08 stl_27">4</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:26.4542em;"><span class="stl_24 stl_08 stl_17">颅脑损伤导致重度智力缺损（智商小于等于</span><span class="stl_22 stl_08 stl_27">34</span><span class="stl_24 stl_08 stl_19">），不能完全独立生活，需经常有 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:27.4542em;"><span class="stl_24 stl_08 stl_19">人监护，处于大部分护理依赖状态 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:28.4942em;"><span class="stl_24 stl_08 stl_17">颅脑损伤导致中度智力缺损（智商小于等于</span><span class="stl_22 stl_08 stl_27">49</span><span class="stl_24 stl_08 stl_19">），日常生活能力严重受限，间或 &nbsp;</span></div>
					<div class="stl_01" style="left:8.052em;top:29.4942em;"><span class="stl_24 stl_08 stl_19">需要帮助，处于大部分护理依赖状态 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:30.6345em;z-index:469;"><span class="stl_10 stl_11 stl_28">注：</span><span class="stl_10 stl_11 stl_29">○</span><span class="stl_15 stl_11 stl_19" style="word-spacing:0.0181em;">1 </span><span class="stl_10 stl_11 stl_19">护理依赖：应用“基本日常生活活动能力”的丧失程度来判断护理依赖程度。 &nbsp;</span></div>
					<div class="stl_01" style="left:9.1617em;top:32.0462em;z-index:505;"><span class="stl_10 stl_11 stl_30">○</span><span class="stl_15 stl_11 stl_19" style="word-spacing:-0.0689em;">2 </span><span class="stl_10 stl_11 stl_31">基本日常生活活动是指：（</span><span class="stl_15 stl_11 stl_32">1</span><span class="stl_10 stl_11 stl_33">）穿衣：自己能够穿衣及脱衣；（</span><span class="stl_15 stl_11 stl_34">2</span><span class="stl_10 stl_11 stl_35">）移动：自己从一个房间 &nbsp;</span></div>
					<div class="stl_01" style="left:7.522em;top:33.4562em;"><span class="stl_10 stl_11 stl_36">到另一个房间；（</span><span class="stl_15 stl_11 stl_34">3</span><span class="stl_10 stl_11 stl_37">）行动：自己上下床或上下轮椅；（</span><span class="stl_15 stl_11 stl_38">4</span><span class="stl_10 stl_11 stl_14">）如厕：自己控制进行大小便；（</span><span class="stl_15 stl_11 stl_34">5</span><span class="stl_10 stl_11 stl_34">） &nbsp;</span></div>
					<div class="stl_01" style="left:7.522em;top:34.8662em;"><span class="stl_10 stl_11 stl_17">进食：自己从已准备好的碗或碟中取食物放入口中；（</span><span class="stl_15 stl_11 stl_17">6</span><span class="stl_10 stl_11 stl_19">）洗澡：自己进行淋浴或盆浴。 &nbsp;</span></div>
					<div class="stl_01" style="left:9.2217em;top:36.2762em;z-index:629;"><span class="stl_10 stl_11 stl_30">○</span><span class="stl_15 stl_11 stl_19" style="word-spacing:-0.0689em;">3 </span><span class="stl_10 stl_11 stl_37">护理依赖的程度分三级：（</span><span class="stl_15 stl_11 stl_32">1</span><span class="stl_10 stl_11 stl_19">）完全护理依赖指生活完全不能自理，上述六项基本日常生 &nbsp;</span></div>
					<div class="stl_01" style="left:7.502em;top:37.6862em;"><span class="stl_10 stl_11 stl_19">活活动均需护理者；（</span><span class="stl_15 stl_11 stl_34">2</span><span class="stl_10 stl_11 stl_17">）大部分护理依赖指生活大部不能自理，上述六项基本日常生活活动中 &nbsp;</span></div>
					<div class="stl_01" style="left:7.502em;top:39.0962em;"><span class="stl_10 stl_11 stl_14">三项或三项以上需要护理者；（</span><span class="stl_15 stl_11 stl_34">3</span><span class="stl_10 stl_11 stl_19">）部分护理依赖指部分生活不能自理，上述六项基本日常生活 &nbsp;</span></div>
					<div class="stl_01" style="left:7.502em;top:40.5062em;"><span class="stl_10 stl_11 stl_19">活动中一项或一项以上需要护理者。 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:42.8459em;"><span class="stl_22 stl_08 stl_23" style="font-weight:bold;">1.3 &nbsp;</span></div>
					<div class="stl_01" style="left:10.4917em;top:42.8459em;"><span class="stl_24 stl_08 stl_25" style="font-weight:bold;">意识功能障碍 &nbsp;</span></div>
					<div class="stl_01" style="left:9.1617em;top:43.9159em;"><span class="stl_24 stl_08 stl_19">意识功能是指意识和警觉状态下的一般精神功能</span><span class="stl_24 stl_08 stl_39">，</span><span class="stl_24 stl_08 stl_19">包</span><span class="stl_24 stl_08 stl_19">括清醒和持续的觉醒状态</span><span class="stl_24 stl_08 stl_39">。</span><span class="stl_24 stl_08 stl_19">本</span><span class="stl_24 stl_08 stl_19">标准中的 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:44.9859em;"><span class="stl_24 stl_08 stl_19">意识功能障碍是指颅脑损伤导致植物状态。 &nbsp;</span></div>
					<div class="stl_01" style="left:7.992em;top:47.0684em;"><span class="stl_24 stl_08 stl_19">颅脑损伤导致植物状态 &nbsp;</span></div>
					<div class="stl_01" style="left:39.2383em;top:47.0684em;"><span class="stl_22 stl_08 stl_27">1</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:7.502em;top:48.2087em;"><span class="stl_10 stl_11 stl_40">注：植物状态指由于严重颅脑损伤造成认知功能丧失，无意识活动，不能执行命令，保持自主呼 &nbsp;</span></div>
					<div class="stl_01" style="left:7.502em;top:49.6187em;"><span class="stl_10 stl_11 stl_36">吸和血压，有睡眠</span><span class="stl_15 stl_11 stl_41">-</span><span class="stl_10 stl_11 stl_19">醒觉周期，不能理解和表达语言，能自动睁眼或刺激下睁眼，可有无目的性 &nbsp;</span></div>
					<div class="stl_01" style="left:7.502em;top:51.0287em;"><span class="stl_10 stl_11 stl_19">眼球跟踪运动，丘脑下部及脑干功能基本保存。 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:53.3684em;"><span class="stl_22 stl_08 stl_19" style="font-weight:bold;">2</span></div>
					<div class="stl_01" style="left:9.2617em;top:53.3684em;"><span class="stl_24 stl_08 stl_25" style="font-weight:bold;">眼，耳和有关的结构和功能 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:54.4384em;"><span class="stl_22 stl_08 stl_23" style="font-weight:bold;">2.1 &nbsp;</span></div>
					<div class="stl_01" style="left:10.4917em;top:54.4384em;"><span class="stl_24 stl_08 stl_25" style="font-weight:bold;">眼球损伤或视功能障碍 &nbsp;</span></div>
					<div class="stl_01" style="left:9.1617em;top:55.5084em;z-index:1024;"><span class="stl_24 stl_08 stl_19">视功能是指与感受存在的光线和感受视觉刺激的形式</span><span class="stl_24 stl_08 stl_42">、</span><span class="stl_24 stl_08 stl_19">大</span><span class="stl_24 stl_08 stl_19">小</span><span class="stl_24 stl_08 stl_43">、</span><span class="stl_24 stl_08 stl_19">形</span><span class="stl_24 stl_08 stl_19">状和颜色等有关的感觉功能。 &nbsp;</span></div>
					<div class="stl_01" style="left:7.492em;top:56.5784em;"><span class="stl_24 stl_08 stl_19">本标准中的视功能障碍是指眼盲目或低视力。 &nbsp;</span></div>
					<div class="stl_01" style="left:7.942em;top:58.6601em;"><span class="stl_24 stl_08 stl_19">双侧眼球缺失 &nbsp;</span></div>
					<div class="stl_01" style="left:39.2883em;top:58.6801em;"><span class="stl_22 stl_08 stl_27">1</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:39.2883em;top:59.7501em;"><span class="stl_22 stl_08 stl_27">1</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:39.2883em;top:60.8001em;"><span class="stl_22 stl_08 stl_27">2</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:39.2883em;top:61.8601em;"><span class="stl_22 stl_08 stl_27">3</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:39.2883em;top:62.9001em;"><span class="stl_22 stl_08 stl_27">4</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:7.942em;top:59.7501em;"><span class="stl_24 stl_08 stl_14">一侧眼球缺失，且另一侧眼盲目</span><span class="stl_22 stl_08 stl_27">5</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:7.942em;top:60.7901em;"><span class="stl_24 stl_08 stl_14">一侧眼球缺失，且另一侧眼盲目</span><span class="stl_22 stl_08 stl_27">4</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:7.942em;top:61.8601em;"><span class="stl_24 stl_08 stl_14">一侧眼球缺失，且另一侧眼盲目</span><span class="stl_22 stl_08 stl_27">3</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:7.942em;top:62.9001em;"><span class="stl_24 stl_08 stl_14">一侧眼球缺失，且另一侧眼低视力</span><span class="stl_22 stl_08 stl_27">2</span><span class="stl_24 stl_08 stl_27">级 &nbsp;</span></div>
					<div class="stl_01" style="left:24.6042em;top:65.0701em;"><span class="stl_22 stl_08 stl_19">4</span></div>
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